Myrtleford local Brendan Cusack said there was an "air of relief" at the local pub where he worked. "There's a feeling of relief we escaped it this time. It could've been a lot worse," Mr Cusack said.

Steve Mooney at his flooded leased farmland in Everton, between Wangaratta and Myrtleford. Picture: Alex Coppel.

Nearby, Steve Mooney, who leases a beef farming property in Everton, said he had sustained some damage but hoped the water would subside quickly. "Some of the water will still be on its way, so we're just monitoring it as it comes," Mr Mooney said.

Victoria’s northeast was among the hardest hit by the weekend deluge. Picture: Alex Coppel.

"We've only had one other flood this year so far, we've been lucky.

"A big worry is the 10,000 brown snakes that come up the river; they're known to bite animals. You can get caught off guard and then your animals drown and all sorts of other horrible things, so we're glad to be over-prepared."

Mr Mooney was also looking after a neighbouring property for friends who were overseas.

"I fixed their fences, moved their cattle to higher ground - it's just the sort of thing you do for your mates," he said.

At Wangaratta, Painters Island Caravan Park was evacuated as the threat of floodwater was considered too great.

Another local caravan park owner, Peter Crotty, said the unseasonal downpour was bad for business.

Children cross a footbridge clogged with flood debris in Euroa. Picture: Aaron Francis/The Australian

"There are a number of people who have avoided the area altogether because of the weather, however, so we've had a massive drop in business because of the flood warnings and the events that have been subsequently cancelled," Mr Crotty said.

In some streets of Euroa, Myrtleford and Wangaratta locals waded through knee-deep water.

Flood waters have receded in Euroa. Picture: Alex Coppel

Nina, a beef farmer from Everton, said she woke to substantial water on her 50ha property on Saturday night but told the Herald Sun "flooding is better than fire for us".

SES Myrtleford assistant chief officer Keith O'Brien said the region had escaped with only minimal damage.

"We will see more floods and want to work with our community to minimise damage and the risk to life."

What the creek and its surrounds usually look like. Picture: Anthony Chisholm.

Despite the volume of rain being less than forecast, some Melbourne suburbs also struggled to cope with the deluge.

Emergency Services Commissioner Craig Lapsley said several drivers had "disappointingly" ignored warnings, by entering flood waters and in some cases required assistance.

In Williamstown, a young man was rescued from his car after attempting to cross a swollen creek.

In Abbotsford, kayakers took advantage of surging water to hit the Yarra River at Dights Falls.

They took advantage of the weather to ride the river’s rapids. Picture: Sarah Matray

INSURANCE CLAIMS FLOW

VICTORIANS assessing damage to their homes from wild weather have begun to contact their insurers, with hundreds of claims lodged over the weekend.

Experienced kayakers taking on Dights Falls on the Yarra River after the weekend’s rain. Picture: Sarah Matray

Insurance Council of Australia spokesman Campbell Fuller said more than 200 claims appeared to have been lodged but this figure was surprisingly low.

"That would be the level of claims we'd see for a relatively small summer storm," he said.

"Insurers may see more claims in coming days as people assess the damage, particularly from those in the flooded northeastern parts of the state.

"To the credit of Melburnians, they heeded the warnings of the weather bureau and many of them did their best to minimise damage to their property."

But one luxury car owner could have a nervous wait after his Maserati became stuck in a flooded underpass in Footscray. Photos of the submerged car were circulated online and sparked concerns the unfortunate owner might not be able to claim coverage.

Mr Fuller said the insurers would have to assess every detail of the accident.

DRONE images from Euroa resident Anthony Chisholm have captured the extent of flooding in Victoria's northeast on the weekend.

The images, taken on Saturday, show Sevens Creek flooding over the landmark Burton's Bridge, touching the edge of a few local properties and completely surrounding others.

"It's an amazing shot which shows the volume of water that has come through here," Mr Chisholm said.

A comparison image, taken in January 2017, shows the river flowing at normal level.

"The sheer volume of rain was extraordinary, a friend who has been in Euroa for 35 years said she hadn't experienced rain quite like it before," he said.

"The community pulling together helping each other out is amazing - it makes Euroa such an amazing place to live."

What the creek and its surrounds usually look like. Picture: Anthony Chisholm.

The Euroa golf course was also engulfed by water.

Mr Chisholm, an aircraft engineer in Melbourne, and his wife Felicity spend their weekends in Euroa, but were unable to gain access to their properties when they arrived Friday night due to flood waters.

A drone image of the floods in Euroa, which was taken on Saturday. Picture: Anthony Chisholm.

"It was a very passive attempt via two different routes but we just stopped, as it was the sensible thing to do because of the amount of water on the road.

"We gave up at about 2am and stayed at the Castle Creek Motel."

The Bureau of Meteorology reported Sevens Creek peaked at 5.10 metres around 7am on Saturday, with the major flood level for the creek at 4.6 metres.

The creek's water levels were falling throughout Sunday, with a further 5 to 10mm of rain forecasted for Sunday.

What the creek and its surrounds usually look like. Picture: Anthony Chisholm.

THE STORM IN NUMBERS

■ Mount St Leonard, near Healesville, is the wettest spot in the state, drenched with 235mm

■ Half the state has received its entire December average already

■ Saturday was Victoria's wettest day in six years, and the wettest December day since 1993

■ Residents in Kialla West, near Shepparton, are at high risk, with flooding expected to peak at 5.9m early Monday morning

■ Euroa has been hit hardest by floods, with Seven Creeks peaking at 5.1m

■ Minor flooding is expected along Wangaratta along the Ovens River, and along the Yarra River from Healesville to Abbotsford

■ Melbourne saw its wettest 24 hours since 1992, with the CBD receiving 67mm of rain since Friday, and more than the December average of rain in just 48 hours